Systems and/or methods for stock portfolio based competitive simulations

ABSTRACT

The exemplary embodiments described herein relate to systems and/or methods for competitive simulations and, more particularly, to systems and/or methods in which users build stock portfolios that compete against each other, with the performance of each user&#39;s stock portfolio being based on one or more stock market related metrics (e.g., price per share, market capitalization, volume of trade, etc.). A user&#39;s portfolio may be formed and/or reformed so as to comply with certain predefined criteria (e.g., company traded on a particular exchange, company belonging to a particular market sector, etc.). The performance of each team/portfolio may be depicted using sports-related imagery (e.g., as teams on a football field, a basketball court, around a baseball diamond, etc.).

CROSS-REFERENCE TO RELATED APPLICATION

This application is a continuation of application Ser. No. 13/351,862filed Jan. 17, 2012, which is a continuation of application Ser. No.12/071,092 filed Feb. 15, 2008, which claims the benefit of applicationSer. No. 60/890,427 filed on Feb. 16, 2007, the entire contents of eachof which are hereby incorporated by reference in this application.

TECHNICAL FIELD

The exemplary embodiments described herein relate to systems and/ormethods for competitive simulations and, more particularly, to systemsand/or methods in which users build stock portfolios that competeagainst each other, with the performance of each user's stock portfoliobeing based on one or more stock market related metrics (e.g., price pershare, market capitalization, volume of trade, etc.). A user's portfoliomay be formed and/or reformed so as to comply with certain predefinedcriteria (e.g., company traded on a particular exchange, companybelonging to a particular market sector, etc.).

BACKGROUND AND SUMMARY

Every year, people spend countless hours and dollars trying to figureout how to “beat the market.” There is no set definition of “beating themarket,” but generally it refers to the process of trying to understandand explain the structure, function, and overall performance of thestock market and other investment tools and then using this savvy toachieve a subjectively good return on investment. Yet, despite hours ofstudy, consultations with experts, the development of complicatedmodels, attendance at lectures, and study of investment books, the stockmarket remains a poorly understood—if not completelymisunderstood—phenomenon. The thrill of “winning” in the market often isoffset by the pain of “losing” in the market. The recent history ofmarket “booms” and “busts,” references to various bubbles bursting, andthe collective memory of the Depression, for example, each accentuatethese fears.

Thus, there is an inherent impediment to full participation in, andunderstanding of, the market, especially when the stakes quite literallycan be high. Indeed, even beyond relatively risk-averse individuals,many people are turned off simply because of the inherent riskassociated with the market. These people never experience the fun of“playing the game” and fail to gain investment intuition that comesthrough experience. They also miss out on the opportunity to competewith others, therefore missing out on the ability to use their ownmicro-strategies and behaviors to help influence the macro-performanceof the market.

Thus, it will be appreciated that there exists a need for overcoming oneor more of the above-described and/or other drawbacks. It also will beappreciated that there is a need for allowing individuals to experiencethe thrill of, and/or learn about, the stock market in a fun, easy, andrisk-free environment.

Fantasy sports games have gained popularity over the last few years. Inbrief, fantasy sports games enable individuals to create fantasy teamsand compete against the fantasy teams of others. Each fantasy team maycomprise players drafted from a pool, with or without regard to thereal-world teams. Once created, the fantasy teams generally “scorepoints” based on the performance of the players comprising the teams. Assuch, fantasy sports games enable players to create fantasy teams thatcompete in a fantasy scenario in which real sports-related statisticsare translated into fantasy sports-based performance of the fantasyteams.

According to certain exemplary embodiments, a competitive simulationbetween players is provided. Each player may have a team/portfoliocomprising a plurality of individual players/stocks. The team/portfolioperformance may be based on at least one stock-market related metric ofeach individual player/stock. The performance of each team/portfolio maybe depicted using sports-related imagery. As such, certain exampleembodiments may provide a fantasy-like scenario in which fun andfamiliar sports-related imagery is used to represent more complexstock-market related statistics. The representation of the more complexstock-market related statistics via the sports-related imagery may beprovided at varying levels of complexity and/or detail such that, forexample, the dynamics of the stock market are brought to life in aninteresting, engaging, and understandable manner. In these and/or otherways, it is therefore possible to advantageously allow individuals toexperience the thrill of, and/or learn about, the stock market in a fun,easy, and risk-free environment.

In certain exemplary embodiments, in a computer-mediated networkenvironment, a method of conducting a competitive simulation between aplurality of users, each said user having an associated team isprovided. A sport to be simulated is selected as a part of thecompetitive simulation. At least two teams are built, with each saidteam comprising a plurality of player stocks and with each said teambeing built in dependence on the selected sport. Games to be played overa predetermined game time by two of said teams are defined. While a gameis being played, a stock market related metric for each player stock ofeach team playing in the game is tracked. The stock market relatedmetrics for each team playing in the game are compared over one or morepredefined periods of the game time. Points are awarded to each teamplaying in the game based on the comparison. A winner is determinedbased on the total number of points awarded to each team over the entiregame time.

In certain exemplary embodiments, there is provided a computer readablestorage medium tangibly storing instructions for performing acompetitive simulation based on a sport, the instructions beingexecutable so as to cause a computer in a network environment to performmethod steps. A plurality of positions on a team are filled via a draft,with the team comprising a plurality of player stocks, and with eachsaid player stock being assigned a position on the team in dependence ona characteristic of the player stock. A starting lineup of draftedplayers on the team is selected, with the starting lineup being selectedso that each position of the team is filled with a player stock assignedto that respective position. A stock market related metric is trackedfor each player stock in the starting lineup during a predefined gamescenario of the competitive simulation, with the game scenario occurringover a predetermined time period. Team performance is simulated independence on the tracked stock market related metrics of the teamduring the game scenario.

In certain exemplary embodiments, in a computer-mediated networkenvironment, a method of conducting a competitive simulation between aplurality of users, each said user having an associated team isprovided. A sport to be simulated is selected as a part of thecompetitive simulation. At least two teams are built, with each saidteam comprising a plurality of player stocks and with each said teambeing built in dependence on the selected sport. Built teams are dividedinto one or more leagues, with each said league having one sportassociated therewith. Games to be played over a predetermined game timeby two of said teams are defined for each said league. While a game isbeing played, a stock market related metric for each player stock ofeach team playing in the game is tracked. Prices of the player stocksfor each team playing in the game are compared over one or morepredefined periods of the game time. Points are awarded to each teamplaying in the game based on the comparison. A winner is determinedbased on the total number of points awarded to each team over the entiregame time. The player stocks are displayed on a field arranged accordingto the selected sport and also animated in dependence on the comparison.

In certain exemplary implementations, the sport is at least one offootball, basketball, baseball, racing, soccer, and ice hockey. Thepredetermined game time may be a five-day period from Monday throughFriday, and/or each predefined period of the game time may correspond toone day in certain exemplary implementations. A team may be rewardedwith a bonus situation (e.g., a corner-kick, a penalty kick, a freethrow attempt, a power play, etc.) randomly or in dependence on apredetermined event in certain exemplary implementations. In certainexemplary implementations, a team may be penalized (e.g., with atechnical foul, a player stock being placed in a penalty box, anejection of a player, etc.) randomly or in dependence on a predeterminedevent.

The exemplary embodiments described herein may be implemented as anysuitable combination of programmed logic circuitry (e.g., hardware,software, firmware, and/or the like). Also, the exemplary embodimentsdescribed herein may be tangibly stored as instructions on acomputer-readable storage medium.

These aspects and exemplary embodiments described herein may be usedseparately and/or applied in various combinations to achieve yet furtherembodiments of this invention.

Other aspects, features, and advantages of this invention will becomeapparent from the following detailed description when taken inconjunction with the accompanying drawings, which are a part of thisdisclosure and which illustrate, by way of example, principles of thisinvention.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying drawings facilitate an understanding of the variousembodiments of this invention. In such drawings:

FIG. 1 is an illustrative welcome screen for the National Money League,in accordance with an exemplary embodiment;

FIG. 2 shows several illustrative stock exchanges that provide stockinformation for the National Money League, in accordance with anexemplary embodiment;

FIG. 3 is an illustrative customizable ticker, in accordance with anexemplary embodiment;

FIG. 4 is an illustrative login screen, in accordance with an exemplaryembodiment;

FIG. 5 is an illustrative screen for creating a league, in accordancewith an exemplary embodiment;

FIG. 6 is an illustrative screen for performing an automatic draft, inaccordance with an exemplary embodiment;

FIG. 7 is an illustrative screen for viewing a team or portfolio, inaccordance with an exemplary embodiment;

FIG. 8 is an illustrative screen for performing a “live” draft, inaccordance with an exemplary embodiment;

FIG. 9 is an illustrative screen for selecting stocks, in accordancewith an exemplary embodiment;

FIG. 10 is an illustrative screen for specifying the status of thestock, in accordance with an exemplary embodiment;

FIG. 11 is an illustrative screen for filtering stocks by the sector towhich they belong, in accordance with an exemplary embodiment;

FIG. 12 is an illustrative screen for sorting stocks by one or morestatistics associated with the stocks, in accordance with an exemplaryembodiment;

FIG. 13 is an illustrative screen for searching for stocks, inaccordance with an exemplary embodiment;

FIG. 14 is an illustrative screen for displaying the top-performingstocks for a given day, in accordance with an exemplary embodiment;

FIG. 15 is an illustrative screen displaying detailed profileinformation for a selected stock, in accordance with an exemplaryembodiment;

FIG. 16 is an illustrative screen for customizing an editable ticker, inaccordance with an exemplary embodiment;

FIG. 17A is an illustrative screen for visualizing the performance of ateam or portfolio using a football-like sports scenario, in accordancewith an exemplary embodiment;

FIG. 17B is an illustrative screen for visualizing the performance of ateam or portfolio using a baseball-like sports scenario, in accordancewith an exemplary embodiment;

FIG. 17C is an illustrative screen for visualizing the performance of ateam or portfolio using a basketball-like sports scenario, in accordancewith an exemplary embodiment;

FIG. 17D is an illustrative screen for visualizing the performance of ateam or portfolio using a hockey-like sports scenario, in accordancewith an exemplary embodiment;

FIG. 17E is an illustrative screen for visualizing the performance of ateam or portfolio using a racing-like sports scenario, in accordancewith an exemplary embodiment;

FIG. 17F is an illustrative screen for visualizing the performance of ateam or portfolio using a soccer-like sports scenario, in accordancewith an exemplary embodiment;

FIG. 18 is an illustrative screen showing a more detailed display of theinformation conveyed in FIG. 17A, in accordance with an exemplaryembodiment;

FIG. 19 is an illustrative screen showing various research and analysistools, in accordance with an exemplary embodiment;

FIG. 20 is a display of a “snap quote,” in accordance with an exemplaryembodiment;

FIG. 21 is a flowchart showing the overall operation of the NationalMoney League, in accordance with an exemplary embodiment;

FIG. 22 is an illustrative database schema for the overall operation ofthe National Money League, in accordance with an exemplary embodiment;

FIG. 23 is an illustrative flowchart showing an exemplary process forconducting a competitive simulation between a plurality of users witheach user having an associated team, in accordance with an exemplaryembodiment; and,

FIG. 24 is an illustrative flowchart showing an exemplary process forperforming a competitive simulation based on a sport, in accordance withan exemplary embodiment.

DETAILED DESCRIPTION

The exemplary embodiments described herein relate to systems and/ormethods for competitive simulations and, more particularly, to systemsand/or methods in which users build stock portfolios that competeagainst each other, with the performance of each user's stock portfoliobeing based on one or more stock market related metrics (e.g., price pershare, market capitalization, volume of trade, etc.). A user's portfoliomay be formed and/or reformed so as to comply with certain predefinedcriteria. Such predefined criteria may include, for example, therequirement to select a certain number of stocks from one or moreparticular exchanges (e.g., X stocks from NASDAQ, Y stocks from AMEX,etc.), to completely fill a team with a set number of players (e.g., 11players for a football team, 9 players for a baseball team, etc.), toselect companies belonging to a particular market sector (e.g., to playthe role of a particular player on a particular team, etc. Theperformance of each team/portfolio may be depicted using sports-relatedimagery (e.g., as teams on a football field, a basketball court, arounda baseball diamond, etc.).

1. Introduction

Certain exemplary embodiments relate to a simulation game called, forconvenience, the National Money League (NML). In brief, the NML is afantasy simulation game that allows individual players to competeagainst other players' stock portfolios or teams. The NML has the feelof Fantasy Football integrated with the stock market. FIG. 1 is anillustrative welcome screen for the National Money League, in accordancewith an exemplary embodiment. Players may have at least some of the samestock-related research and information as any professional brokeragehouse. For example, the NML may provide real 15-20 minute delayedfinancial market quotes from the NASDAQ, the American Exchange, the NewYork Stock Exchange, etc. In particular, FIG. 2 shows severalillustrative stock exchanges that provide stock information for theNational Money League, in accordance with an exemplary embodiment. FIG.2 shows the NASDAQ 202, the NYSE 204, and AMEX 206, although othermarkets and/or exchanges are also possible. Other news and information,along with a customizable stock ticker, also may be provided. This othernews and information may include, for example, press releases, mediacoverage, SEC filings, market and/or stock analysis reports, and/or anyother publicly available and/or custom developed content pertaining tothe stocks and/or stock market as a whole. FIG. 3 is an illustrativecustomizable ticker, in accordance with an exemplary embodiment. Thedisplay 300 in FIG. 3 includes a headline area 310, which includes aplurality of headlines 312 a-b related to monitored and/or other stocks.The custom ticker area 320 may include text and/or graphical informationabout a variety of different stocks, exchanges, or the like. Forexample, in FIG. 3, information for the NASDAQ Composite Index(identified in area 322 a) includes its value 322 b, its change 322 b,its percent change 322 d, and graphs of its composite 322 e and volume322 f. Similar information may be provided for the NYSE Composite index(as identified in area 324 a), including its value 324 b, its change 324b, its percent change 324 d, and graphs of its composite 324 e andvolume 324 f.

The NML can be an easy way for beginners or stock marketnovices—including teens, young adults, students, and others—to learn howto be successful investing in stocks. More experienced investors alsomay participate to showcase their purported savvy, compete with theirfriends, coworkers, competitors, etc. To facilitate broad-based appeal,a user might choose to invite friends, colleagues, co-workers, familymembers, and others to play along. Groups or “leagues” within the NMLmay be formed, allowing for more focused, personalized, or otherwiseparticularized competition. Invitations may be sent by word-of-mouth orthrough electronic means. For example, an existing user may choose toinvite one or more prospective users to join the NML through a web-basedform. The existing user may provide contact information for theprospective user(s), such as, for example, phone numbers, emailaddresses, real addresses, etc. In certain exemplary embodiments, anemail may be sent inviting prospective users to join the NML. In such acase, the email sent to the prospective user may include informationidentifying the existing user (e.g., name, contact information, amessage, etc.). The user may click on a link embedded in the emailmessage to begin a membership confirmation process, with such linkoptionally having information embedded therein such as the inviter,invitee, group name, game type selected, and/or other information tofacilitate sign-up. In certain exemplary embodiments, a user may enteran automatically generated code (e.g., corresponding to some or all ofthe information provided above) to facilitate sign-up. The prospectiveuser may receive such a code directly from the existing user, via email,through a text message (e.g., an SMS message), etc. Such activation oridentification codes may be at least temporarily stored in a centrallyaccessible database in certain exemplary embodiments so as to facilitatenew member sign-up in a way transparent to the existing and/orprospective user(s).

A person signing up for the NML may be charged a fee, with various formsof price discrimination being possible, for example, for students,adults, professional investors, etc. The fees collected may be used todefray costs associated with the maintenance of the overall NML (e.g.,the cost of maintaining an up-to-date database of quotes, news, and thelike; hosting and management fees for the overall NML; hosting andmanagement fees for particular leagues; etc.), to reward “leaguewinners” at the end of a “season” (for example, the person achieving thegreatest amount of money, the greatest return on investment, the mostheat-to-head wins, etc. over a predetermined time period, such as, forexample, a day, week, month, etc.), etc.

Through participation in the NML, users ranging from beginners toadvanced users and even power brokers may be able to improve in theirknowledge of the stock market and finances in general.

2. Signup

To signup, when monthly membership fees are due, the user may click on a“Signup” button from the home page and select the type of accountsubscription (e.g., Monthly Adult, Monthly Student, etc.). FIG. 4 is anillustrative login screen, in accordance with an exemplary embodiment.In FIG. 4, the login screen 410 is displayed over the main screen 400.The login screen 410 includes areas for a user to input a username (412)and password (414). Pressing the login button 416 verifies theinformation input into the areas 412 and 414 against a membership tablein a database (e.g., as described in greater detail below). Other linksmay be provided to the login screen 410, for example, to enable aregistered user to retrieve a forgotten password (418), to allow a newuser to signup (420), to provide account management features to aregistered user (422), to provide help (424), etc.

Subsequent to the login selection screen, a “Register and Checkout”section may be provided to allow the user to input contact information(e.g., name, email address, home address, phone number, nickname, etc.)and payment information (e.g., payment method such as credit card numberand expiration date, billing cycle information such as one time paymentor per month billing, etc.). As a part of the registration and/or signupprocess, in certain exemplary embodiments the user may also be promptedto join one or more particular leagues. The user may receive an emailconfirmation after registration and payment is completed and/orverified. The registration email may be automatically generated by theNML and sent to an email address specified by the user. The registrationemail may include confirmation information including, for example, thereal name of the user, the user's online “nickname,” the league the userhas joined, confirmation of any billing information,

After registration, a user may create a new league and/or join anexisting league.

2.1 Creating a New League

To “Create” a new league, the user may click on a link at the top of thehome page, and a “Create League” page is displayed. From this page, theuser may enter information and/or specify certain options for theleague, such as, for example, League Name, Maximum Teams allowed tocompete, Draft Date, Draft Start Time, etc. The league name may be aunique or non-unique identifier of as association of competitors (e.g.,“Company X League,” “New York Power Brokers League,” “Newbies,” etc.). Aperson setting up a league may limit the number of people allowed tocompete in the league by specifying the maximum teams allowed tocompete, for example, to ensure that only friends join, that others arenot invited, etc. In certain exemplary embodiments, there may be a“maximum” maximum number of teams allowed to compete. That is, the NMLitself may limit the number of teams allowed to compete in a league. Thedraft date and draft start time indicate to the league members when theywill be expected to participate in the “drafting” of player stocks, orwhen such player stocks will be drafted for them. Such information maybe at least temporarily stored in a centrally accessible database, aswill be described in greater detail below. FIG. 5 is an illustrativescreen for creating a league, in accordance with an exemplaryembodiment. The display 500 in FIG. 5 shows the options under league tab502, which includes an option for creating a league (504). Alsodisplayed under this tab are a list of all teams and leagues 506, aswell as a list of all available leagues 508.

2.2 Joining an Existing League

To join an existing league, the user may search through the leagueslisted in the “Available Leagues” section. If there is available spacein the league, the user may click a “Join” button to join thecorresponding league. Some restrictions may be applied to leagues. Forexample, some leagues may be by invitation only, etc. To facilitatejoining a league, a league list may be generated based on informationstored in a centrally accessible database. The league list may be sortedor filtered based on various criteria, such as, for example, game type(e.g., football, basketball, baseball, hockey, soccer, racing, etc.),audience or user type (e.g., day-traders, investment clubs, companies,amateurs, etc.), alphabetically by name, and/or the like.

After joining a league, a user may be shown a corresponding League ID,League Member ID#, and League Name. At this point, the user may input anindividual Team Name. The user also may designate whether the gameshould automatically select the best team/portfolio available (e.g., bychecking an Auto Draft Team checkbox), or whether the user would like tocontrol the draft process individually.

The date and time of the draft may be displayed on the home page for theuser. The exemplary drafting processes are described below.

3. The Draft

After a user registers a team with The National Money League, the usermay prepare for a “draft” from among player stocks to join theteam/portfolio. The user may use the home page to find the league forwhich the user is drafting a team and click on a Draft button at thescheduled listed date and time.

A user may draft a team/portfolio using one of several techniques, or acombination therebetween. For example, users may choose to automaticallydraft a team, draft manually, etc.

3.1 Exemplary Techniques for Auto-Drafting a Team/Portfolio

A team/portfolio may be created through a draft. When the “Auto DraftTeam” option is selected, the team/portfolio may be selectedautomatically, without direct user controller. For example, a user mayhave a team/portfolio selected automatically during the draft based on aspecific characteristic/metric of the team/portfolio. One specificcharacteristic may be the performance of the stock over an arbitrarytime period (e.g., the stock's change in price over the last 3 weeks,etc.). In such a case, the NML may automatically select the bestavailable performing stock according to the characteristic. FIG. 6 is anillustrative screen for performing an automatic draft, in accordancewith an exemplary embodiment. In the display 600 of FIG. 6, the teamname 602 (in this example, “The Prestige”) is displayed. A list of teamsand their respective draft positions 604 is displayed, along with anindicator 606 of the currently drafting team. Towards the bottom of thedisplay 600 is the currently selecting team's portfolio 610, which liststhe drafted stocks and their symbols, along with their sectors,positions, status, and previous close.

“Semi-automatic” drafting also may be setup such that, for example, atleast some user preference information is entered before the draft. Forexample, a user may rank order all stocks or a large number of stocks.In such a case, the NML may take the highest ranked stock available ateach of the player's turns. In another example, the user may program theNML to select certain positions or sector stocks first, second, third,etc., so as to try to obtain good “point guards” first, then good“centers” second, good “shooting guards” third, etc. In still anotherexample, a user may program the NML to favor certain types of stocksabove others when performing the automatic selection (e.g., favor largevalue stocks, growth stocks, high market capitalization stocks,technology stocks, particular industry stocks, etc.).

As noted above, a user need not be “present” (e.g., logged on and/ormonitoring, etc.) during the actual draft when the “Auto Draft Team”option is selected. After the draft, the user may view the entireteam/portfolio. Additionally, a user also may view the draft live, eventhough the selections are made for the user automatically. FIG. 7 is anillustrative screen for viewing a team or portfolio, in accordance withan exemplary embodiment. The display 700 of FIG. 7 allows the stocks 704in the portfolio to be sorted in dependence on statistics aggregatedover a predefined time period (702), such as, for example, over thecurrent day, the last week, month, or season. The lineup also may beedited through this screen, e.g., via the dropdown list in the middle ofthe display 700.

3.2 Exemplary Techniques for Manually Drafting a Team/Portfolio

Apart from the Auto-Draft, a user also may manually draft ateam/portfolio. When the draft starts, the user may be able to select astock by looking at the draft board. When, the draft board indicatesthat it is the user's turn to draft, the user may to select theplayer/stock within a predetermined time period (e.g., within 3minutes). In certain exemplary embodiments, once a selection is made,the user may be required to confirm that the selected stock shouldactually be drafted. In certain exemplary embodiments, waiting longerthan 3 minutes may result in a player/stock being drafted automaticallyfor the user. For example, if a stock has been selected but notconfirmed, the selected stock may be drafted. In another example, if nostock has been selected, a stock may be drafted based on an automatic orsemi-automatic draft rule as described in greater detail above. The nextteam/portfolio on the list will select next. Once the draft reaches thebottom of the list, the drafting will move back through the list untileach team/portfolio has been filled. In this way, a draft may proceed asusual, with each user in the league taking turns drafting players/stocksfor the user's own team/portfolio. FIG. 8 is an illustrative screen forperforming a “live” draft, in accordance with an exemplary embodiment.FIG. 8 is similar to FIG. 6, although it will be appreciated that theportfolio is partially filled with stocks 810 a already selected, whilepositions to be filled 810 b remain vacant pending the results of therest of the draft.

3.2.1 Exemplary Techniques for Selecting A Player/Stock

A user may select a stock by scrolling down a page listing all availablestocks. The stocks may be sorted (or resorted) based on a category. Forexample, the stocks may be sorted by top percentage gaining stocks overthe previous 3 weeks, alphabetically by name or by symbol, etc. Stockinformation such as, for example, a listing of the available stocks, theperformance of the stocks over a time period, etc., may be stored in adatabase managed by the NML, and/or may be available by communicatingwith a third-party service that provides similar information, e.g., viaan API. The user may draft the stock by pressing a “BUY” button. Throughthe selection process, the user may fill the user's draft board withsufficient sector player/stocks, utility player/stocks, and benchplayer/stocks to “field” a team. FIG. 9 is an illustrative screen 900for selecting stocks, in accordance with an exemplary embodiment, andFIG. 10 is an illustrative screen for specifying the status of thestock, in accordance with an exemplary embodiment. The status may bespecified via a dropdown, selecting from a list 1000, which may includeoptions for setting the particular stock as a sector stock, utilitystock, or bench stock.

3.2.2 Viewing/Filtering Particular Stocks

Stocks may be filtered according to one or more categories. For example,stocks may be filtered to fill a particular sector by clicking adropdown and selecting a “Filter” button, selecting a sector from alist, etc. From a resulting display, a user may find and highlight thestock. FIG. 11 is an illustrative screen for filtering stocks by thesector to which they belong, in accordance with an exemplary embodiment.By way of example and without limitation, stocks may be classified intosome or all of the following sectors: Healthcare, Utilities, IndustrialGoods, Consumer Goods, Services, Financial, Technology, Basic Materials,Conglomerates, etc. In FIG. 11, a user may select a sector from thesector dropdown list 1102 and then press the filter button 1104 toupdate the list.

Stocks also may be filtered by, for example, performance. For example,the “top stocks” based on the previous 6 weeks, 3 weeks, previous Fridayclose, previous day's close, etc., may be displayed. FIG. 12 is anillustrative screen for sorting stocks by one or more statisticsassociated with the stocks, in accordance with an exemplary embodiment.The time period may be specified (1202) by selecting from, for example,the current day, week, month, or over the whole season.

3.2.4 Exemplary Techniques for Searching Player/Stocks

To find a player/stock, a user may enter the stock symbol in the“Search” box above the list and click the “Enter” button. If the stocksymbol is not known to the user, the user may enter the first letter orfirst few letters to search among stock symbols and/or names. Then,matching player/stocks may appear in the list below. FIG. 13 is anillustrative screen for searching for stocks, in accordance with anexemplary embodiment. In the FIG. 13 display, a user may enter all or apart of the stock symbol or name in the box 1302 and press the “FindStock” button 1304 to trigger a search that updates the list at thebottom of the display. An exact match may be highlighted in certainexemplary embodiments.

3.2.5 NASDAQ, the New York Stock Exchange, and the American Exchange TopPerforming Stocks—CURRENT DAY

Under a user's draft board, a list of the current top performing stocksfor each of the three markets may be displayed. This list may be updatedevery few minutes to view during the draft. FIG. 14 is an illustrativescreen for displaying the top-performing stocks for a given day, inaccordance with an exemplary embodiment. In particular, the topperforming stocks on all three markets are shown in display areas 1402a-c, along with statistics thereof. The particular player's topperforming stocks also are listed (1404). To receive more information ona stock, a user may select (e.g., click on) the symbol to obtain a quicksnapshot of the stock's profile. FIG. 15 is an illustrative screendisplaying detailed profile information 1500 for a selected stock, inaccordance with an exemplary embodiment. The user also may draft a stockfrom this screen. Some stocks may not be readily and/or immediatelyavailable to the NML. For example, a company making an Initial PublicOffering (IPO)—e.g., being new to the stock market—may not be availableto the NML within the first few days that it is listed on the market. Inother cases, stock information may be provided on a slightly delayed(e.g., 15-20 minute delay) to non-brokers. It also may be possible incertain exemplary embodiments to pay a premium to receive real-time orsubstantially real-time stock information.

4. Exemplary Techniques for Managing a Team/Portfolio

Once a team/portfolio has been drafted, a user can manage the team forcompetition. For example, the appropriate league may be selected (e.g.,clicked on) from the home page, and then the specific team may beselected (e.g., clicked on). All of the stocks/players selected from thedraft may appear on this “Portfolio/Team Edit Lineup” page. The lineupmay be specified and/or edited for a given period of competition (e.g.,for a week), for example, via the “Line Up” dropdown (which may list allactive or available stocks that may participate in the competition) onthe top-left side of the page. In certain exemplary embodiments, thecompetition may proceed using a football analogy and, accordingly, itmay be possible to “start” 11 active stocks/players as “sector”positions for each week, with two additional “utility” players specified(e.g., indicating which players actually will compete). In certain otherexemplary embodiments, the competition may proceed using a basketballanalogy and, accordingly, it may be possible to “start” 5 activestocks/players as “sector” positions for each week, with one additional“utility” player. Of course, the present invention is not limited to anyparticular kind of sports-related analogy. Other team- and/ornon-team-based sports may be used in connection with certain exemplaryembodiments. For example, the sports-related analogy may be as simple astwo teams playing tug-of-war. It also will be appreciated that thenumber of active players and/or utility players may be dependent on thetype of sports-related analogy implemented, and that the presentinvention is not limited to any particular numbers.

4.1 Sector Stocks/Players

In certain exemplary embodiments, the stocks/players selected as sectorstarters must fit that particular sector, and these will be the activestarters for the week. A dropdown menu may be used to place thestock/player in the appropriate position. For example, a user may not beable to select a “Utility” stock/player to compete in the “IndustrialGoods” sector. In other words, in certain exemplary embodiments, a usermust select a “Utility” stock/player in that sector, and a user mustselect an “Industrial Goods” stock in the “Industrial Goods” sector andso forth. Of course, it will be appreciated that the present inventionis not limited to this requirement, nor is the present invention limitedto these particular sectors. At the bottom of the page, a user may click“Update Positions” to activate the changes. To choose another or futureweek, a user may select the “Line Up” dropdown at the top-left side ofthe page and adjust the team accordingly. The following table providesan illustrative sector to stock position mapping, and also identifiesillustrative skills of the sector stock players. It will be appreciatedthat this mapping is provided by way of example and without limitation.

Sector NML Position Skills Healthcare Left Tackle/Defensive End Theessential trenches stock (LT/DE) Utilities Left Guard/Left DefensiveWithout Utilities we could not Tackle (LG/LDT) have our systems workIndustrial Goods Center/Nose Tackle (C/NT) Industrial Goods are thecatalyst of our team Consumer Goods Right Guard/Right Defensive Anotheressential trenches stock Tackle (RG/RDT) that we cannot live withoutServices Right Tackle/Right Defensive Services give us the foundationEnd (RT/RDE) for all products Financial Tight End/Strong SafetyFinancial stocks are essential for (TE/SS) blocking and assured shortyardage gain Technology (1) Left Receiver/Left Completing thetechnology-long Cornerback (LR/LCB) pass can give your team big gainsBasic Materials (1) Full Back/Left Line Backer Basic Materials give yourteam (FB/RLB) the running game necessary to control your teamConglomerates Quarterback/Free Safety Conglomerates represent a (QB/FS)diversified player who lead through their multiple skills BasicMaterials (2) Running Back/Right Line Basic Materials give your teamBacker (RB/RLB) the running game necessary to control your teamTechnology (2) Right Receiver/Right Completing the technology-longCornerback (RR/RCB) pass can give your team big gains Utility Any SectorTake your pick from any sector Utility Any Sector Take your pick fromany sector

4.2 Utility Players

The utility stocks/players are active players that may come from anysector, also as starters. The dropdown may be used to place thestock/player in the appropriate position. At the bottom of the page, the“Update Positions” button may be selected to activate changes. As above,to choose another or future week, a user may select the “Line Up”dropdown at the top-left side of the page and adjust the teamaccordingly.

4.3 Bench Players

The bench players are not active starters for the given week, at leastnot until a user activates them as starters or utility stock/players. Abalance of various sector stocks/players on may be kept on a bench toreplace starting/utility stocks/players based on improvements/poorperformance over time. At the bottom of the page, the “Update Positions”button may be selected to activate changes. To choose another or futureweek, a user may select the “Line Up” dropdown at the top-left side ofthe page and adjust the team accordingly. It will be appreciated that inaddition to or in place of bench players, there may be players in thedugout or bullpen for a baseball-type game, on the sidelines for afootball or soccer game, on an inactive or injured reserve list, etc. Incertain exemplary embodiments, these players may be moved into play,e.g., depending on the rules of the game on which the sports-basedanalogy is being played (e.g., no rolling substitutions, substitutionsonly during stoppages of play, etc.), or according to other rules moreparticular to the NML (e.g., a predetermined number of substitutions perday, per player, per team, etc.).

4.4 Sell Stock/Buy Stock

4.4.1 Sell Stock

In certain exemplary embodiments, a user may be required to first sellold stocks/players before adding new players. This can be accomplishedby clicking on the “Sell Stock” link at the top of the page. The usermay locate and designate the stock/player to be sold, and the “Sell”button may be activated to complete the sale. When a stock is sold, adatabase may be updated, e.g., to indicate that a player stock is nolonger on a user's team, that the player stock is available to others,etc. The user may or may not be allowed to drop below a certain numberof players, e.g., a number of players required to play a game.

4.4.2 Buy Stock

The “Buy Stock” link at the top of the page may be used to purchase anew stock for a user's portfolio/team. At the top of the “Buy Stock”page, a user may be able to look at all of the top stocks sortedaccording to a predetermined criteria. For example, the stocks may besorted based on the percentage of increase over the previous threeweeks. The stocks also may be filtered according to some other oradditional categories (e.g., the top closing stocks according to theprevious day's close, the previous Friday's close, and 6-week close,etc.) by clicking on an appropriate link or forming a suitable query.

A user also may select stock/players from one particular sector or allsectors by clicking on the dropdown at the top of the page.

Once a stock is located, a user may designate the position to be filledin the portfolio. For example, this may be the same as a positionrecently dropped/sold (e.g., “Sector,” “Utility,” or “Bench”). A usermay click on the “Buy” link to the right of the desired stock.

This stock/player may be seen in the portfolio by, for example, clickingon the “My Team” link at the top of the page, then clicking on the “LineUp” dropdown and selecting the upcoming week. The stock/player purchasedmay be set for an appropriate position. When a stock is bought, adatabase may be updated, e.g., to indicate that a player stock is now ona user's team, that the player stock is no longer available to others,etc. The number of stocks on a team may be limited, e.g., by limiting auser to no more players than those that would fit on a roster at a giventime. The roster may include, for example, active players, benchplayers, injured reserve players, farm team members, etc.

A “trade deadline” or restrictions on trades may be imposed so thatteams are fixed for at least certain period of time. For example, tradesbetween teams or “drop/adds” may not be allowed during competitions forcertain players (e.g., fielded or active players), after the half-waypoint of the season, etc.

4.4.3 Credit and Non-Credit Based Buying and Selling Schemes

In certain exemplary embodiments, the buying and selling of playerstocks may be as simple as an add/drop system. For example, a usersimply may add stocks from currently available stocks when the team hasopen slots for new “team members.” If a team is completely filled, aplayer stock may need to be “cut” from the team, or sold, in order tomake room for a new stock to be added. Additionally, a player stockmight be cut at any time. Such an add/drop system is very easy to useand may be advantageous for less sophisticated users.

In certain exemplary embodiments, the buying and selling of playerstocks may be based on a credit system. For example, users may be forcedto at least initially select teams based on a theoretical fixed budget(which may be specified by the NML, by the user who set up theparticular league, in accordance with a user's subscription fee for useof the NML, etc.). This may be viewed as something similar to an initialsalary cap. As the game is played, credits may be earned or lost, e.g.,in dependence on the performance of the user's team. In certainexemplary embodiments, the credits may be awarded or subtracted based onthe amount the particular individual stocks comprising a team haveearned or lost during a particular interval. In certain exemplaryembodiments, the salary cap may be imposed to promote equality, e.g., byrestricting the amount of credits that may be spent on developing a teamand also encouraging others to “buy low.” In certain exemplaryembodiments, a salary cap may not be in place to promote a “buy low,sell high” type system, thereby effectively rewarding those who do verywell in their trades and thus with their teams.

Just as there are trade deadlines in certain sports, so too may there betrade deadlines in the NML. For example, in certain illustrativeimplementations, a user may be required to complete all trades before acertain date (e.g., the season start date, the mid-point of a season,etc.). In certain illustrative implementations, a user may be required,in addition or in the alternative, to complete all trades betweencertain hours (e.g., corresponding to times when the markets are open,to allow or restrict after-hours trading, etc.). In certain illustrativeimplementations, a user may not be permitted to make trades during agame.

5. Additional Features

Certain exemplary embodiments of the National Money League game may havea one or more “special features” to provide competitive advantagesand/or additional information regarding their stocks and/or portfolios.It will be appreciated that the following sections are provided by wayof example and without limitation.

5.1 Editable Stock Ticker

At the bottom of several pages of the NML, a stock ticker may bepresent. This ticker may be set up to view a user's individualplayers/stocks, portions of or whole portfolios/teams, potentialbuys/sells, etc. An “edit” button may be used to cause a window toappear to allow the user to add any stock symbol or click on the “SymbolLookup” to find one. Among other changeable features, the direction ofthe ticker may be altered, for example. As noted above, this informationmay be slightly delayed or substantially in real-time (e.g., if apremium is paid).

FIG. 16 is an illustrative screen for customizing an editable ticker, inaccordance with an exemplary embodiment. In the display 1600 of FIG. 16,the user is able to enter symbols in the box 1602 and add it via addbutton 1604 to the list of stocks to be included in the ticker 1610.Stocks already added to the list of stocks to be included in the ticker1610 can be removed therefrom by highlighting them and pressing thedelete button 1606. A symbol may be looked up via symbol lookup button1608. Additionally, various composites 1612 may be added to the ticker.

5.2 Play-By-Play

The NML Play-by-Play is a feature that allows the user to view nearlyreal time match-ups between teams. The Play-by-Play may be set upaccording to a sports-related analogy. The particular sport may beselected by the creator of the league, on the vote of the members of theleague, etc. For example, the Play-by-Play may be set up as a footballfield that includes helmets matched up in real football positions. Forexample, industrial-type stocks may be shown as offensive/defensivelinemen in a football game, centers on a basketball court, catchers on abaseball team, etc. The stock symbols may be located on the helmets,jerseys, etc., to indicate individual players/stocks. For example, FIG.17A is an illustrative screen for visualizing the performance of a teamor portfolio using a football-like sports scenario, in accordance withan exemplary embodiment. To view a match-up between stock sectors, auser may click on the helmet or use the dropdown on the top-right of thescreen.

The movement—for example, in terms of type of movement and amount—of therepresentation of the players may be indicative of relative performance,etc. For example, the relative performance of a player/stock may beassessed and then mapped to a database of “moves” in dependence on theposition in which the player/stock is playing. For example, aplayer/stock playing as a running back in a football game having a largegain may be shown as slashing through the defense and breaking into thesecondary before being tackled. As another example, a player/stockplaying as a shooting guard in a basketball game suffering a loss may beshown as committing a turnover (e.g., traveling, committing a playercontrol foul or technical foul, etc.), getting stuffed, etc. This sortof display based on a linkage between performance (or relativeperformance, etc.) and position tied to a database of moves may addfurther entertainment and excitement, while providing understandablesports-related performance analogies to demonstrate the movement ofstocks.

The plays may be viewable as the competition progresses. For example,the relative performance of the teams and/or players constituting theteams may be assessed at predetermined intervals (e.g., every 5 minutes,30 minutes, hour, day, etc.). The relative performances of the teamsand/or stocks may be compared in whole or in part. In certain exemplaryembodiments, plays may be based on a one-on-one match-up of stocks. Forexample, two stocks representing point guards may show the betterperforming stock shooting and making a three-pointer, stocksrepresenting offensive and defensive linemen may show more movement offof the line of scrimmage for the poorer performing stock, etc. In otherwords, centers may be matched against other centers, pitchers againsthitters, etc. In certain exemplary embodiments, plays may be based on acomparison of more than one stock per team, and the performances may be“choreographed” so that a team or a portion thereof may perform betterthan the opposing team or a portion thereof. For example, two betterperforming stocks may successfully execute a pick-and-roll play, some orall of an offensive line may be moved and a quarterback may be sacked,etc. This play may continue throughout the competition and may beviewable “live” or in series so as to present a full game. The plays mayshown as characters moving through the appropriate field, court, track,etc. More sophisticated animations also may be employed so as to morerealistically simulate players running plays, having plays broken downor thwarted, etc. In certain exemplary embodiments, the betterperforming the stock, the more exciting the play may be. For example, astock performing better than its average or better than the marketaverage may complete a long pass, the length of the pass being based onhow much the performance exceeds the average. Similarly, team performingmuch worse than its average may be sacked for a big loss, may commit anumber of turnovers, give up a number of fast breaks, easy dunks, orbackdoor cuts, etc. To increase the enjoyment of the game yet further,the animation of officials (e.g., umpires, referees, etc.) may besimulated to show that a sliding player is safe or out (e.g., when theperformance of two relative stocks are close), to call a technical foul(e.g., when a company is fined or otherwise accused of wrongdoing),and/or the like.

Scoring may be awarded similarly. For example, points may be awarded byquarter, with the number of quarters being based on, for example, thenumber of days in a competition between two teams. In certain exemplaryembodiments, a competition between two teams may last an entire workweek (e.g., 5 days). Thus, there may be five quarters (even though thereare two halves in college basketball and soccer, three periods in icehockey, four quarters in football and professional basketball, avariable number of laps in racing, etc.). In certain other exemplaryembodiments, the competition period may be divided so as to conform tothe conventional game divisions (e.g., a first half of a week maycorrespond the first half of a soccer game and the second half of a weekmay correspond the second half of the soccer game, etc.). Points may beawarded to the team that has a higher total percent gain on a particularday and/or at the end of a competition period. Points may be awarded ina way similar to the base game being played, such that a team playing afootball-type game typically earns points by the 3s or 7s, a teamplaying a basketball-type game typically earns points by the is-3s,baseball and hockey scores by the ls, etc. In racing, points may begiven out for the performance of the drivers (e.g., daily performance,laps led, etc.), the pit's performance, teammate performance, spotterperformance, etc. To make the scoring seem more realistic, the pointsmay be awarded so that at the end of a game or the entire competition,the scores are within the expected ranges of the underlying games. Forexample, 15-20 points may be awarded per quarter in a basketball-typegame, the total number of points in a baseball-type game may be belowabout 9 for each team, etc. For racing, the scores may be compared totypical season-ending scores. Where the scores between teams are equalor close, shootouts, penalty kicks, overtime, and/or the like may besimulated and/or performed. For example, an extra day of competition maytake place, the last hour of the competition may be weighted moreheavily than others, etc.

By rolling over each helmet, a user may be able to obtain stockinformation (e.g., with a 15 to 20 minute delay), including, forexample, the price, percentage of change for the day, sector, full stockname, position on the field, etc. FIG. 18 is an illustrative screenshowing a more detailed display of the information conveyed in FIG. 17A,in accordance with an exemplary embodiment. In the particular exampleshown in FIG. 18, rolling over a helmet causes detail window 1730 to bedisplayed. The detail window 1730 includes the current value of thestock ($1.51), its change in percent (down 1.342%), its sector(industrial goods), its real (Valence Technology Inc.), and its positionon the field (Nose Tackle). This detail window 1730 is shown over top ofthe field 1710 a. Of course, as noted above, other sports may be used tovisualize the performance of the stocks, and the present invention isnot limited to any particular arrangement.

Referring to FIG. 17A in more detail, the illustrative display 1700includes a field 1710 a, which resembles a football field. On one sideof the field, player stocks 1712 a from a first team are lined up in atypical offensive arrangement. On the other side of the field, playerstocks 1712 b from a second team are lined up in a typical defensivearrangement. The player stocks 1712 a and 1712 b may be moved and/oranimated as the game progresses, e.g., as described above. A score board1720 is provided, showing the respective scoring for the first andsecond teams (e.g., “Alphabet Soup” and “Fifth Element” in thisillustration) over the five “quarters” that define the particular game.As can be discerned from the scoreboard 1720, both teams have performedfairly well over the first four “quarters” of the game; however, thefirst team has done better than the second team over each of the“quarters.” It will be appreciated that the actual performance of theplayer stocks is adapted so as to conform to football like scores, asnoted above.

FIG. 17B is an illustrative screen for visualizing the performance of ateam or portfolio using a baseball-like sports scenario, in accordancewith an exemplary embodiment. A baseball field 1710 b is shown,including the members of a first team 1712 a in appropriate defensivepositions. A player stock 1712 b of a second team is shown warming up inthe on-deck circle. The field also includes a number of “umpires” 1714.The display also includes an indication of the breakdown of a full25-player “active roster,” as well as a full 40-player roster. Theplayers on the active roster not in the field may be displayed in dugout1716. Because the remaining players are on the roster but are notactive, in certain exemplary embodiment, their performances may or maynot be viewable (in whole or in part) by the user. The players for theopposing team on the active roster may be displayed in opposing dugout1718. As in the football-like scenario shown in FIG. 17A, a user mayroll-over a position to see a player stock's performance, e.g.,including a delayed or real-time quote. The amount of information mayvary depending on the player stock's status (e.g., no information forinactive players, some information for active players, and the mostinformation for fielded players, etc.).

In certain exemplary embodiments, only fielded players (or sometimes allactive players) may be able to score runs for the team. Thus, certainexemplary embodiments may enable a user to substitute players. Thesubstitutions may be made in accordance with the rules of the game. Forexample, a player may substitute players between innings, for “injuries”(e.g., a company going bankrupt, being pulled from the market, etc.), aspinch hitters or runners, etc. It will be appreciated that these and/orsimilar substitution rules can be applied to other games, as well. Incertain exemplary embodiments, substitutions may not be possible duringa game, and/or it may be necessary to keep a particular lineup for anentire week.

Because a real-life baseball game often does not include continuousaction, the same might be true for an NML baseball-like scenario. Toincrease the interactivity and enjoyment of the game for users, variousanimations may be made throughout the game. For example, animationsequences may involve victory laps, umpires making calls when players“slide” (e.g., when there is close performance of a first baseman and ahitter, for example), a batter charging the mound when a pitcher hitsthe batter (e.g., when the pitcher performs poorly, either in absoluteterms or in comparison to the batter), etc.

FIG. 17C is an illustrative screen for visualizing the performance of ateam or portfolio using a basketball-like sports scenario, in accordancewith an exemplary embodiment. The basketball court 1710 c includesplayer stocks of opposing teams 1712 a and 1712 b. Respective benchplayers 1713 a and 1713 b also are shown next to the court 1710 c. Incertain exemplary embodiments, the number of players for a particularteam on a court 1710 may be increased (e.g., doubled, tripled, etc.) soas to provide more action for the users. In certain exemplaryembodiments, to increase the number of active players, a normal team offive players may be on the court at any time, but a user may specifyplayers to substitute for offensive and defensive possessions. Benchplayers also may take part in the competition, either directly orindirectly. For example, a bench player may commit a technical foul(e.g., if it performs poorly, receives negative press, violates an SECor other regulation or law, etc.), may be shown running onto the courtto celebrate a last-second shot, may instigate or participate in afight, etc.

In certain exemplary embodiments, opposing teams may be shown on thesame end of a court at the same time. The players may be matched-upaccording to their positions and may move in a back-and-forth manner.Alternatively, or in addition, as described above, the players maysometimes run plays, e.g., in dependence on their individual or combinedperformance.

FIG. 17D is an illustrative screen for visualizing the performance of ateam or portfolio using a hockey-like sports scenario, in accordancewith an exemplary embodiment. As above, the players at the variouspositions on the ice 1710 d may be increased, e.g., to increase thenumber of active player stocks. Also, as above, the players may bematched-up according to their positions and may move in a back-and-forthmanner. Alternatively, or in addition, as described above, the playersmay sometimes run plays, e.g., in dependence on their individual orcombined performance. A team performing well may be awarded a power play(e.g., a player stock of the opposing team may be put into a penalty box(not shown) and, similarly, a stock performing poorly may be put intothe penalty box. Here, as elsewhere, the performance may be measured inabsolute or relative terms. For example, “good” performance in certainexemplary embodiments may constitute exceeding the market average,exceeding the 10-week average for a particular stock, gaining more thana predetermined percent within a particular day or other period (e.g.,more than 5%, 10%, etc.), out-performing an opposing stock by apredetermined amount or percent, etc. “Poor” performance in certainexemplary embodiments may be similar to the converse of these and/orother examples. In certain exemplary embodiments, a player stock mayalways be put into the penalty box to indicate which team is performingbetter over a predefined time interval.

FIG. 17E is an illustrative screen for visualizing the performance of ateam or portfolio using a racing-like sports scenario, in accordancewith an exemplary embodiment. It will be appreciated that the racetrack1710 d may be in any shape and the cars also may be suitably styled. Forexample, the racetrack 1710 d and cars may be formatted for Fl racing,Indycar racing, drag racing, NASCAR or stockcar racing, etc. Teams maybe comprised on teams of two or more cars, as is conventional in racing.Teams also may include a pit crew, a spotter, etc. For example, awell-performing pit crew may help a car go faster during thecompetition, whereas a poor performing pit crew may inject delays, maycause a tire to fall off during the course of the race, etc. Backup cars1716 also may be garaged in case anything happens to a car during aseason (e.g., is pulled from the market, etc.) or is substituted in foran existing car 1712. In certain exemplary embodiments, if the entiremarket is down, the race may be run under caution. To increase theexcitement of a race, animations of pit stops, spin-outs, collisions,the crowd, etc., may be displayed for the user. Here, and for othergames, custom animation events may be triggered randomly or independence on the performance of the particular stocks.

FIG. 17F is an illustrative screen for visualizing the performance of ateam or portfolio using a soccer-like sports scenario, in accordancewith an exemplary embodiment. The soccer field 1710 f and the players1712 a and 1712 b on the field 1710 f may be made to perform similar tothose in the football example shown in, and described in connectionwith, FIG. 17A above. Thus, the players 1712 a and 1712 b may bematched-up according to their positions and may move in a back-and-forthmanner. Alternatively, or in addition, as described above, the playersmay sometimes run plays, e.g., in dependence on their individual orcombined performance. Penalty kicks and/or corner kicks may be randomlychosen and/or provided in dependence on the performance of the playerstocks individually or in combination. Shootouts may be performed in theteams are tied or close to tied at the end of a game to increase theenjoyment and sense of urgency in the game.

In many different types of real-world games, it is often believed thatthere is a home-field or home-team advantage. Thus, NML competitions maytake place in various stadiums, arenas, ballparks, etc. The players maychoose or be assigned a home location. When a game is played at aparticular location, the “home team” may be given an advantage. Forexample, the home team may have an extra competitor playing, similar toa “6th Man” on the basketball court or a “12th Man” on the footballfield. A crowd may be added and may become more boisterous for the hometeam when it is winning or trying to rally back from a deficit, etc. Incertain exemplary embodiments, the crowd may perform like one of theplayer stocks not currently on the field or court.

The Editable stock ticker also may be located at the bottom of thescreen to provide further information in a different view.

5.3 Research and Analysis

By clicking on the “Research and Analysis” tab within a league, a usermay be able to use a tool similar to one used by professional brokers.For example, this may include determining what criteria to use based ongiven conditions and values when searching for stocks. The criteria mayinclude, for example, the exchanges, sectors, share price, marketcapitalization, earnings per share, 5-year annual income growth rate,institutional holdings, etc. FIG. 19 is an illustrative screen showingvarious research and analysis tools, in accordance with an exemplaryembodiment. The display 1900 through the analysis tools 1902 also mayallow conditions (such as equal to, less than, greater than, between,etc.) and ranges to be specified. Thus, for example, as shown in FIG.19, it is possible to find all stocks traded on the NASDAQ exchange thatfall within the technology sector, having a share price of $0 to $10, amarket capitalization of $0 to $250 million, earnings per share ofbetween $0 and $10, a 5 year annual income growth rate of between $1 and$100, considering institutional holdings of between $0 and $100.

5.4 Snap Quotes

The snap quotes provide detailed information on individual stocks. Thesnap quotes may be accessed from stock symbols throughout the site. Thesnap quotes allow a user to view certain stock-related information, suchas, for example, a growth chart based on today's, the 5-day, 1-month,3-month, 1-year, and 5-year growth. A user also may view the last price,change in dollars/percentage, open, high, low, volume, market capital,PE Ratio, dividends, etc. From this screen, a user may view news,profile, financials, historical information, market information, etc. atthe top of the snap quote for additional information. FIG. 20 is adisplay of a “snap quote,” in accordance with an exemplary embodiment.The graph and stock market related metrics and statistics shown in thedisplay 1500 are self-explanatory.

5.5 News

The National Money League may provide links and/or modules throughoutthe site for news and information regarding the stock market, financialand business, and/or sports. In certain exemplary embodiments, the newsmay be kept current using a commercially available feed (e.g., via anXML data link provided by QuoteMedia).

6. Illustrative Flow through a System According to Certain ExemplaryEmbodiments

FIG. 21 is a flowchart showing the overall operation of the NationalMoney League, in accordance with an exemplary embodiment. In particular,FIG. 21 demonstrates the ways in which a user may navigate through asystem according to certain exemplary embodiments. In general, the usermay access the system through the Internet via a home computer, as shownin the upper left corner. The options available at and from eachresulting screen are shown and described directly in FIG. 21 and above.

It will be appreciated that much of the information is stored and/oraccessed via a NML database, shown in the bottom-center of FIG. 21. FIG.22 is an illustrative database schema for the overall operation of theNational Money League, in accordance with an exemplary embodiment.

In FIG. 21, access to the NML is provided by a network-enabled computer2102. The Home Page 2104 requires secure login to enter the membersections. The Member Home 2106 provides scrolling stock tickerinformation and Snap Quote access, a listing of all available memberleagues and links to participate, and a scrolling news tool allowingdetailed popup information. The Create League Display 2108 enables amember to create a league by setting, for example, name, start dates,and league size. The Join League Display 2110 enables a member to joinleagues that are still in the “signup” phase. The Draft Stocks Display2112 displays draft information such as, for example, the playercurrently drafting, stocks drafted, and position of draft pick. A hotperformers tool is provided for all three sectors. Lists of availablestocks that may be drafted are viewable, along with the sector, name,last trade, performance data, etc.

The League Overview 2114 displays league standings and provides links tocurrent game scores. The Game Tracker 2116 is populated by Stock FeedApplications 2124 and enables a user to view the progress of the games.My Portfolio 2118 displays current stock lineup by league, game, orweek, and allows a lineup to be changed by brining up bench and utilityplayers. The Schedules Display 2120 displays match-ups, e.g., by using a“round robin” season generator.

A central NML database 2122 is provided, and is explained in greaterdetail below with reference to FIG. 22. The Draft Process Server 2124enables players to chose to “auto draft” their league stocks, allowingthe system to use predetermined criteria to draft by proxy when theirturn comes. Tardy players will have stocks automatically drafted forthem if they do not make a section 3 minutes after their turn arrives.Stock Feed Applications 2124 access stock feed applications, provideweekly closing feed for all stock symbols on Fridays, daily closing feedfor all stock symbols, and hourly feed for all symbols included inactive leagues. An XML-to-SQL translation may occur between the NMLdatabase 2122 and the Stock Feed Applications 2124. Research AnalysisDisplay 2126 provides an R&A tool reachable from many places in thesite.

In FIG. 22, the ML Industry table 2202 includes a description of theindustries from the stock markets. The ML League Match table 2204provides an area to determine the match-up for each of the teams, eachweek, that leads to wins and losses to determine playoffs. This areaalso determines winners and losers to determine match-ups for theplayoffs. This is determined by stock statistics and wins and loses.

The ML League 2206 table allows users with League IDs to create aleague, signup for a draft, and draft stocks to create a team.Information and rules are provided for signup. The draft order isdetermined, and the autodraft with time and manual draft properties areset. Stock information is provided and the current top stocks from eachmarket. The ML Division table 2208 names the division for league play.The ML League Member table 2210 includes information pertaining to eachindividual teams win, loses, tie, winning percentage, rankings, movecounter, waiver position, and/or other data. The ML League Member Stocktable 2212 lists the individual stocks owned by a team and lists memberinformation and stock price, position, and status.

In accordance with the ML League Trade table 2214, players can add anddrop a stock from their team. The player “ID” is listed with the stocksinformation for trading (add/drop).

The ML League Message table 2216 stores league message and thus allowsfor communications to, among, and/or between all league members. The MLMember table 2218 associates the member's “Username,” “Password,” firstand last name displayed, etc.

The ML Sector table 2220 includes a group of sectors that arerepresented in the game. The ML Stock table 2222 includes a listing ofeach stock from each market showing name, symbol, sector, price, marketvalue, description, and various opening, and closing prices. The MLStock Data table 2224 includes a listing of traded stocks and carriesthe symbol, date, and price. The ML Market table 2226 includes adescription of the exchanges represented in the game (e.g., The New YorkStock Exchange, NASDAQ, and The American Exchange). The ML League MatchQuarters table 2228 accords with the “Play-by-Play” match-up that showsthe players and their daily scores (quarters) and their weeklyopponents.

FIG. 23 is an illustrative flowchart showing an exemplary process forconducting a competitive simulation between a plurality of users witheach user having an associated team, in accordance with an exemplaryembodiment. In step S2302, a sport to be simulated as a part of thecompetitive simulation is selected. At least two teams are built in stepS2304. Each team comprises a plurality of player stocks and each team isbuilt in dependence on the selected sport. For example, a number ofplayers consonant with the requirements of the real-world sport may bedrafted to fill appropriate positions. In step S2306, a game to beplayed over a predetermined game time by two of said teams is defined.The competitive simulation may include a plurality of such games. Whilethe game is being played, in step S2308, a stock market related metricfor each player stock of each team playing in the game is tracked. Instep S2310, the stock market related metrics for each team playing inthe game are compared over one or more predefined periods of the gametime. Points are awarded to each team playing in the game based on thecomparison in step S2312. In step S2314, a winner is determined based onthe total number of points awarded to each team over the entire gametime. The comparison optionally may be displayed to a user, usingsports-related imagery based on the sport selected.

FIG. 24 is an illustrative flowchart showing an exemplary process forperforming a competitive simulation based on a sport, in accordance withan exemplary embodiment. A plurality of positions on a team are filled(e.g., via a draft) in Step S2402. The team comprises a plurality ofplayer stocks, with each player stock being assigned a position on theteam in dependence on a characteristic of the player stock. In stepS2404, a starting lineup of drafted players on the team is selected. Thestarting lineup is selected so that each position of the team is filledwith a player stock assigned to that respective position. In step S2406,a stock market related metric for each player stock in the startinglineup is tracked during a predefined game scenario of the competitivesimulation, with the game scenario occurring over a predetermined timeperiod. Team performance is simulated in dependence on the tracked stockmarket related metrics of the team during the game scenario in stepS2408. This may include visually displaying plays, e.g., based on acomparison of the performance of one or more player stocks on a firstteam to the performance of one or more player stocks on a second team.

It will be appreciated that the displays/screenshots described hereinare provided by way of example and illustration, and without limitation.Many combinations and/or arrangements of the relevant information, andselection and action mechanisms, are contemplated herein. Moreover,certain exemplary embodiments are described with reference to web pagesand/or websites; however, the present invention is not so limited.Indeed, any suitable combination of hardware, software, and/or otherprogrammed logic circuitry may be used to provide the features neededfor certain exemplary embodiments.

Also, it will be appreciated that a single user may compete againstmultiple teams created by that same user. Thus, it may be possible for asingle user to compare the performance of various contemplatedportfolios, with or without competing against others and/or bearing thefull risk of the market.

While the invention has been described in connection with what arepresently considered to be the most practical and preferred embodiments,it is to be understood that the invention is not to be limited to thedisclosed embodiments, but on the contrary, is intended to cover variousmodifications and equivalent arrangements included within the spirit andscope of the invention.

What is claimed is:
 1. A computer system configured to facilitate a competitive simulation between a plurality of users, each said user having an associated team, the system comprising: processing resources including at least one processor, a memory, and a computer data, the processing resources being configured to selectively cooperate with one another to at least: enable a plurality of teams to be built in accordance with the requirements of a pre-selected sport, each said team comprising a plurality of players, and each said player representing an asset having a value assigned by an associated market; define games to be played between the teams; for each said game, compare market-related metrics for the players of each team playing in the game, the market related metrics being provided by an application accessible by the computer system; and determine, via at least said computer system, a winner of each said game based on the comparing.
 2. The system of claim 1, wherein the sport involves two teams competing against one another.
 3. The system of claim 1, wherein the processing resources are further configured to simulate one or more leagues, the built teams being assigned to a single one of said one or more leagues.
 4. The system of claim 1, wherein for each said game, the comparing is performed for one business week.
 5. The system of claim 1, wherein for each said game, the comparing is performed in connection with a plurality of predefined periods, each said period corresponding to one trading day.
 6. The system of claim 1, wherein the market-related metrics denote values associated with the assets.
 7. The system of claim 1, wherein the processing resources are further configured to: specify that the players are to be displayed on a field according to the selected sport; and specify how the displayed players are to be animated, based at least in part on the comparing.
 8. The system of claim 1, wherein the comparing is performed on a player-by-player basis.
 9. The system of claim 1, wherein each said player is assigned to a position appropriate for the sport and the comparing is performed on a position-by-position basis.
 10. The system of claim 1, wherein the comparing is performed based on aggregated values of the players on each team.
 11. A computer system configured to conduct a competitive simulation between a plurality of users in accordance with a theme tied to a selected sport, each said user having an associated team with a plurality of player positions fillable with players, the system comprising: processing resources including at least one processor, a memory, and a computer data, the processing resources being configured to selectively cooperate with one another to at least: fill the positions on the teams via a draft, and/or enable the users to fill the positions on their teams via the draft, wherein each said player in the draft represents an asset having an objectively quantifiable market-based value discernable with reference to a data feed application accessible via the computer system; enable each said user to designate a lineup for that user's team based on players drafted to that team and the positions associated with the selected sport; simulate team performances in predefined game scenarios of the competitive simulation, the performances being based on the values of the assets corresponding to the players in the lineups of the teams participating in the game scenarios as discerned with reference to the data feed application.
 12. The system of claim 11, wherein a team is rewarded with a bonus situation provided randomly or in dependence on a predetermined event.
 13. The system of claim 12, wherein the bonus situation is one or more of a corner-kick, a penalty kick, a free throw attempt, and a power play, the bonus situation being selected in dependence on the selected sport.
 14. The system of claim 11, wherein a team is penalized randomly or in dependence on a predetermined event.
 15. The system of 14, wherein the team is penalized with one or more of a technical foul, a player being placed in a penalty box, and an ejection of a player, as appropriate for the selected sport.
 16. The system of claim 11, wherein each said player is assigned to a position on a respective team in dependence on an industry sector in which the associated asset belongs.
 17. The system of claim 11, wherein simulated team performance is displayable on a field appropriate for the sport.
 18. The system of claim 11, wherein the lineup is changeable during a game simulation
 19. The system of claim 1, wherein the players on a respective team are changeable based on trades or sales of the players.
 20. The system of claim 11, wherein the processing resources are further configured to: specify that the players are to be displayed on a field according to the selected sport; and specify how the displayed players are to be animated, based at least in part on the comparing. 